jim cramer is host of "mad money." good morning. >> good morning to you, matt. >> when you look at trends in the economy, numbers you're seeing, which ones jump out and tell you that things might be getting better or not? >> housing shortage. we're not building enough homes. homes are going up in value. that will be a crucial story for 2013. all year, what we're going to see, matt, is that those who buy homes now will be better than people buying them next year at this time. >> jobs, what do you see in terms of the jobs picture? >> we came in, literally, with a very strong tailwind from 2012. 2013 will be the year we start seeing tens of thousands of jobs created, but in odd places. manufacturing, oil and gas, construction. those are new areas. didn't have those last year. >> let's look at interest rates, what kind of challenges will ben bernanke face in trying to keep interest rates low? >> he will face the challenge of a lifetime. we may be looking at generational lows for mortgages. >> ben bernanke would be one pers